Apple introduces Apple Business Essentials

Apple introduces Apple Business Essentials

Dallas-Fort Worth’s Best Financial Planners for 2021

How We Compiled This List: D Magazine asked every Certified Financial Planner in the Dallas-Fort Worth chapter of the Financial Planning Association to cast an online ballot. They were asked to name peers, both inside and outside their firms, whom they considered to be the most skilled and experienced financial planners in the industry. Outside-firm votes counted more than inside-firm votes. Self-nominations were tossed out. A panel of esteemed local financial planners reviewed the list. Only CFPs made the list. A total of 718 votes were cast, and 240 individuals were nominated. Of these, 95 were selected.

Lance Alston
New Dimensions Wealth Management | 972-972-8565

Todd Amacher
RGT Wealth Advisors | 214-360-7000

Michael J. Anderson
True North Advisors | 214-360-7300

Jenny Armstrong
Lee Financial | 972-960-1001

Ellenore Baker
Carter Financial Management | 214-363-4200

Ginnie Baker
Beaird Harris | 972-503-1040

Zac Beckerley
Merit Financial Advisors | 214-423-4200| 

Tyler Beeson
WPA Family Office | 214-945-0888

Joel C. Berg
Carter Financial Management |214-363-4200

Crystal L. Billing
SFMG Wealth Advisors | 972-960-6460

Ryan J. Blair
SFMG Wealth Advisors | 972-960-6460

Steve Blankenship
Heritage Financial Planning | 214-446-2100

Kalita Blessing
Quest Capital Management | 214-691-6090

Jessica Boghetich
RGT Wealth Advisors | 214-360-7000

Jaime Boyles
Lee Financial | 972-960-1001

Melissa Brennan
ARS Private Wealth | 214-558-0228

Katie Brewer
Your Richest Life | 469-708-7975

Caleb Brian
True North Advisors | 214-360-7300

Larry W. Burgess
MG Retirement Advisors | 972-907-0110

Derek Childs
HFS Wealth Management | 214-346-0785

Bryan Clintsman
Clintsman Financial Planning | 817-410-8200

Brian M. Cloud
RGT Wealth Advisors | 214-360-7000

Rob Cox
Quest Capital Management | 214-691-6090

Randall Crimmings
Clintsman Financial Planning | 817-410-8200

Guy M. Cumbie
Cumbie Advisory Services Inc. | 817-335-1181

Christopher Currin
Mercer Advisors | 877-799-4647

Nathan Davis
Aspen Wealth Management | 817-546-6353

Rett Dean
Riverchase Wealth Management LLC | 972-471-9013

Patrick Dougherty
Dougherty Wealth Management LLC | 214-550-8989

Shaun Dowling
HFS Wealth Management | 214-239-0869

David S. Dryden
Insight Wealth Partners | 972-543-4800

David Faulkner
Spectrum Advisors | 972-931-3700

Tiffany Finney-Johnson
New Dimensions Wealth Management | 972-972-8566

Andrew Gardner
Gardner Wallace Financial Solutions | 972-833-2572

Frannie Gardner
Gardner Wallace Financial Solutions | 972-833-2565

Brandon W. Garrett
BentOak Capital | 817-288-3004

Michelle Underwood Gass
Paradigm Advisors LLC | 214-756-6060

John Gay
Frisco Financial Planning LLC | 469-248-6237

Allison Geiger
Heritage Financial Planning | 214-446-2100

Nic Gibson
Lee Financial | 972-960-1001

Craig M. Greenway
SFMG Wealth Advisors 972-960-6460

Cassandra Guerrero
RGT Wealth Advisors | 214-360-7000

Josh Hargrove
Insight Wealth Partners | 972-543-4800

Craig Hausz
CMH Wealth Management | 214-692-5878

Aaron Hays
Carter Financial Management | 214-363-4200

Krista Hinton
RGT Wealth Advisors | 214-360-7000

Jeremy Hudson
RGT Wealth Advisors | 214-360-7000

Ryan W. Huey
RoseRock Wealth Management | 214-220-8989

Kyle Imhof
Clintsman Financial Planning | 817-410-8200

Jean Keener
Keener Financial Planning | 817-993-0401

Sean P. Kelleher
Riverchase Wealth Management LLC | 972-471-9013

Brandon H. Kershaw
Southern Wealth Management LLP | 972-661-4608

Casey Kupper
Cadent Capital | 972-441-4554

John A. Kvale
J.K. Financial Inc. | 214-706-4300

Carl Larimore
Mercer Advisors | 877-799-4647

Lynn Lawrance
Cetera Advisor Networks | 214-358-0758

Bryan Lee
Strategic Financial Planning Inc. | 972-403-1234

Brent Little
Odyssey Wealth Management | 972-636-5037

John W. Loyd
The Wealth Planner | 817-877-0717

Blaine Malcolm
Merit Financial Advisors | 214-423-4200

Laura Maxfield
RGT Wealth Advisors | 214-360-7000

Mark McClanahan
RGT Wealth Advisors| 214-360-7000

Thomas McIntire
Cadent Capital | 972-441-4554

Dallas McKee
Lifeway Financial Corporation | 972-378-3776

Jonathan Meaney
Carter Financial Management | 214-363-4200

Kathy Muldoon
Carter Financial Management | 214-363-4200

Thomas E. Murphy
Murphy & Sylvest Wealth Management | 214-373-8362

Taylor Nipp
SFMG Wealth Advisors | 972-960-6460

Ken Painter
Strata Wealth Advisors LLC | 214-420-7020

Bill Perryman
Perryman Financial Advisory Inc. | 972-770-4800

Jimmy Perryman
Perryman Financial Advisory Inc. | 972-770-4800

Keith Pillers
Ackerman Capital Management | 214-361-5383

Dana Pingenot
RGT Wealth Advisors | 214-360-7000

Patty Priddy
Keener Financial Planning | 817-993-0401

Brandon D. Ratzlaff
Cypress Point Wealth Management |214-736-8887

Mike Reppert
Spectrum Advisors | 972-931-3700

J. Tyler Russell
Carter Financial Management | 214-363-4200

Steven T. Schlegel
SchlegelDunn LLC | 972-754-2693

Candace Scholz
Aspen Wealth Management | 817-546-6353

Tara L. Scottino
True North Advisors | 214-360-7300

Mandy N. Sessler
Clintsman Financial Planning | 817-410-8200

Shashin G. Shah
SFMG Wealth Advisors | 972-960-6460

Roger A. Shake
Legacy Consulting Group | 972-599-4750

Chad Smith
Heritage Financial Planning | 214-446-2100

Taylor Steele
Cadent Capital | 972-441-4554

Helen Stephens
Aspen Wealth Management | 817-546-6353

Bob Stowe
Stowe Financial Planning | 972-733-9959

Emily Swerdlow
HFS Wealth Management | 214-346-0785

Trudy R. Turner
Goldman Sachs Personal Financial Management | 972-409-0885

Jan G. Valecka
Valecka Wealth Management | 972-899-1679

Steven G. Wachs
Legacy Consulting Group | 972-599-4750

Neal Wadley|
BMO Wealth Management | 214-682-6010

Dusty Wallace
Strata Wealth Advisors LLC | 214-420-7020

Christie Williams
Lee Financial | 972-960-1001

Chris Young
Quest Capital Management | 214-691-6090

Ripple to launch ‘Liquidity Hub’ for finance firms that want to offer crypto trading

Fintech company Ripple has introduced a new assistance aimed at finance firms that will allow them to offer cryptocurrency trading to customers.

Ripple unveiled the Liquidity Hub services in a blog write-up on Tuesday, touting a “crypto-1st future” in which each and every corporation will need to have to have a technique for crypto property.

The new services will focus on its business customers, providing them accessibility to electronic property from a vary of suppliers these kinds of as exchanges, current market makers and above-the-counter trading desks. It is at present in the preview stage and will start in 2022.

Liquidity Hub will in the beginning assistance Bitcoin (BTC), Ether (ETH), Litecoin (LTC), Ethereum Basic (Etcetera), Bitcoin Dollars (BCH) and XRP with availability different by geographical locale, according to the announcement.

The enterprise designs to develop its crypto asset choices and involve other tokens, like nonfungible tokens, or NFTs, in the upcoming.

RippleNet common manager Asheesh Birla reported that the firm has been applying this crypto sourcing technologies to guidance its On-Demand Liquidity product for virtually two many years. He included, “Our customers would want accessibility to the similar trustworthy one-stop-store for getting, marketing, and holding crypto assets that has driven our personal intensive perform with money institutions.”

America’s initially licensed Bitcoin ATM enterprise, Coinme, is the very first companion for the alpha edition of Liquidity Hub.

Related: ‘Overtime, we will see the NFT current market broaden,’ suggests Ripple CTO David Schwartz

Ripple is also delving deeper into decentralized finance, or DeFi, asserting designs to give crypto staking and financial investment products and services. Birla additional that it is only logical that clients will want the following generations of providers soon after shopping for and holding Ether.

On Saturday, Cointelegraph claimed that Ripple will be supporting wrapped XRP (wXRP) on the Ethereum community, enabling holders of its native token to interact with DeFi protocols.

The San Francisco-primarily based fintech agency is even now embroiled in an ongoing battle with the United States Securities and Exchange Commission. In the hottest turn in the saga, Magistrate Decide Sarah Netburn has purchased the firm to discover and make video clip and audio recordings of its interior conferences for proof in the scenario.

The financial regulator is suing Ripple and its executives for allegedly boosting extra than $1.3 billion as a result of an unregistered securities featuring.

Meme stocks like GameStop, AMC pose risks to financial stability, Fed says

Inventory-market place volatility resulting from a surge in 1st-time traders who congregate on social media could pose a possibility to the U.S. money procedure, the Federal Reserve claimed in its biannual economical steadiness report unveiled Monday.

The report noted that new trading platforms that offer zero-fee investing, fractional shares and flashy and partaking graphics have helped recruit a technology of younger traders to the stock sector, and the dimensions of this new demographic would make it vital for regulators to keep an eye on.

“Social media can add to an echo chamber in which retail traders uncover on their own speaking most usually with some others with related pursuits and sights, therefore implementing their sights, even if these sights are speculative or biased,” the report stated.

The Fed reported that so considerably, wild swings in the charges of well-liked meme shares, like GameStop Corp.
GME,
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and AMC Amusement Holdings Inc.
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have experienced a “limited” affect on fiscal steadiness so significantly, it is an area of the current market that need to be “monitored” because new, more youthful equity buyers have a tendency to have bigger financial debt degrees and frequently commit in options, two factors that could amplify losses in a downturn.

“Episodes of hightened threat hunger may perhaps continue on to evolve with the conversation concerning social media and retailer traders may perhaps be challenging to forecast,” the report warned. “A possibly destabilizing end result could arise if elevated risk urge for food amid retail traders retreats promptly to much more moderate levels.”

The Fed recommended that economic institutions calibrate for the opportunity increased volatility that the meme inventory phenomenon could endanger and that “more recurrent episodes of larger volatility might call for additional actions to assure the resilience of the process.”

Other vulnerabilities to the money program outlined in the report contain high valuations for stocks and genuine estate, which continue to be elevated relative to company earnings and rents. The Fed mentioned, on the other hand, that “despite climbing housing valuations, tiny proof exists of deteriorating credit score standards or really leveraged expenditure action in the housing marketplace.” 

On the optimistic facet, organizations and households have witnessed their debt relative to revenue drop in modern months, as federal stimulus and a quick restoration from the COVID-19 recession has assisted bolster stability sheets.

The Fed also pointed to instability in the Chinese actual estate market place as a opportunity menace to global economic security, supplied the developing great importance of Chinese advancement to the world’s economic system.

The report noted that company and neighborhood government debt is substantial and growing, and that a regulatory crackdown on the genuine estate sector “has the potential to worry some hugely indebted firms,” as exemplified by the modern drama surrounding China Evergrande Team. 
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“Stresses could…propagate to the Chinese fiscal system by spillovers to money corporations, a sudden correction of real estate charges or a reduction in investor risk urge for food,” the report stated. “Given the size of China’s economic climate and financial process, as effectively as its in depth trade linkages with the relaxation of the environment, financial stresses in China could pressure world economic markets.”

Aflac Incorporated to Webcast 2021 Financial Analysts Briefing

COLUMBUS, Ga., Nov. 9, 2021 /PRNewswire/ — Aflac Included (NYSE: AFL) announced currently that it will webcast its yearly Money Analysts Briefing on November 16, 2021 at 8:00 a.m. (ET). Aflac’s administration will focus on its operations in Japan and the United States, together with cash administration techniques and economic outlook, like with regard to the ongoing COVID-19 pandemic.

The displays will be out there by way of webcast, and you have to sign up below prior to the party. Presentation slides will be posted on investors.aflac.com soon after the sector closes on November 15, 2021, and an archive of the presentations will also be readily available on investors.aflac.com for two weeks pursuing the conclusion of the webcast.

ABOUT AFLAC Incorporated
Aflac Incorporated (NYSE: AFL) is a Fortune 500 corporation supporting supply defense to more than 50 million men and women by way of its subsidiaries in Japan and the U.S., wherever it is a top supplemental insurer by paying out income rapid when policyholders get unwell or injured. For a lot more than 6 many years, insurance policies insurance policies of Aflac Incorporated’s subsidiaries have offered policyholders the chance to aim on recovery, not fiscal stress. Aflac Life Coverage Japan is the top supplier of health-related and cancer insurance plan in Japan exactly where it insures 1 in 4 homes. For 15 consecutive many years, Aflac Included has been acknowledged by Ethisphere as a person of the World’s Most Moral Businesses. In 2021, Fortune integrated Aflac Incorporated on its listing of World’s Most Admired Companies for the 20th time, and Bloomberg added Aflac Integrated to its Gender-Equality Index, which tracks the monetary effectiveness of general public companies committed to supporting gender equality as a result of plan improvement, illustration and transparency, for the second consecutive calendar year. To uncover out how to get assist with expenses health and fitness insurance policies would not address, get to know us at aflac.com. Traders might study additional about Aflac Incorporated and its commitment to ESG and social obligation at buyers.aflac.com and esg.aflac.com.

Ahead-Searching Details
The Non-public Securities Litigation Reform Act of 1995 supplies a “safe and sound harbor” to really encourage organizations to present possible facts, so long as those informational statements are determined as forward-looking and are accompanied by significant cautionary statements identifying vital aspects that could induce precise results to differ materially from those people bundled in the forward-seeking statements. The business wants to choose gain of these provisions. This document contains cautionary statements identifying important aspects that could result in genuine outcomes to vary materially from those people projected herein, and in any other statements created by company officials in communications with the financial local community and contained in paperwork filed with the Securities and Exchange Fee (SEC). Ahead-hunting statements are not dependent on historic data and relate to future operations, methods, economical benefits or other developments. Moreover, ahead-seeking data is matter to numerous assumptions, pitfalls and uncertainties. In unique, statements containing words these types of as “assume,” “foresee,” “feel,” “goal,” “objective,” “may perhaps,” “need to,” “estimate,” “intends,” “assignments,” “will,” “assumes,” “possible,” “target,” “outlook” or very similar phrases as effectively as precise projections of upcoming effects, frequently qualify as ahead-seeking. Aflac undertakes no obligation to update this kind of forward-wanting statements.

The business cautions audience that the adhering to components, in addition to other components talked about from time to time, could trigger true benefits to vary materially from these contemplated by the forward-wanting statements:

  • tough situations in world money markets and the financial system, such as these brought on by COVID-19

  • defaults and credit score downgrades of investments

  • exposure to substantial curiosity level possibility

  • focus of business enterprise in Japan

  • minimal availability of satisfactory yen-denominated investments

  • foreign forex fluctuations in the yen/dollar trade price

  • differing judgments utilized to financial investment valuations

  • important valuation judgments in resolve of anticipated credit losses recorded on the Firm’s investments

  • decreases in the Company’s economic power or debt rankings

  • decline in creditworthiness of other money institutions

  • concentration of the Firm’s investments in any particular one-issuer or sector

  • the effects of COVID-19 and its variants (both of those regarded and emerging), and any resulting financial outcomes and govt interventions, on the Firm’s business and economic results

  • capability to draw in and keep competent product sales associates, brokers, staff members, and distribution companions

  • deviations in precise experience from pricing and reserving assumptions

  • means to carry on to establish and carry out enhancements in facts technologies methods

  • interruption in telecommunication, info technologies and other operational devices, or a failure to maintain the protection, confidentiality or privateness of delicate details residing on this kind of systems

  • subsidiaries’ capacity to fork out dividends to the Father or mother Organization

  • inherent restrictions to danger administration policies and techniques

  • the level of revenue of Aflac Japan items in the Japan Submit channel

  • tax charges relevant to the Company may possibly modify

  • failure to comply with constraints on policyholder privacy and details stability

  • comprehensive regulation and changes in law or regulation by governmental authorities

  • competitive natural environment and means to foresee and reply to market trends

  • catastrophic occasions, such as, but not minimal to, as a consequence of local weather modify, epidemics, pandemics (this sort of as the coronavirus COVID-19), tornadoes, hurricanes, earthquakes, tsunamis, war or other navy action, terrorism or other functions of violence, and hurt incidental to such functions

  • capability to safeguard the Aflac brand and the Firm’s name

  • skill to efficiently take care of essential executive succession

  • improvements in accounting specifications

  • amount and consequence of litigation

  • allegations or determinations of employee misclassification in the United States

(PRNewsfoto/Aflac Incorporated)

(PRNewsfoto/Aflac Integrated)

Analyst and investor contact – David A. Younger, 706.596.3264 or 800.235.2667 or dyoung@aflac.com

Media get in touch with – Ines Gutzmer, 762.207.7601 or igutzmer@aflac.com

Cision

Cision

Check out original content material to download multimedia:https://www.prnewswire.com/news-releases/aflac-incorporated-to-webcast-2021-money-analysts-briefing-301420017.html

Source Aflac Integrated

New Jersey Advisor With $400 Million in AUM Joins LPL From HSBC

A New Jersey–based economic advisor with about $400 million in advisory, brokerage and retirement program belongings is joining Gladstone Wealth Associates, one particular of LPL Financial’s hybrid RIAs.

Scott E. Howell has a lot more than two decades’ experience in the sector and will start off a new unbiased apply primarily based out of Gladstone’s Chester, N.J., place of work, with designs to open a lover office in the town of Summit. He’ll proceed to perform with investors in New York Metropolis and is signing up for LPL and Gladstone from HSBC. 

thumbnail_scott_howell.jpg

In a assertion about the shift, Howell said that LPL supplied scale, technological know-how and compliance oversight to allow him operate his small business, and his selection to make the shift came immediately after years of looking into and examining the state of the sector.

“I feel that the impartial design is the greatest scenario situation for my purchasers,” he explained. “It’s constantly been my close sport.”

In addition to a 13-12 months span at HSBC, Howell’s also labored with Citigroup, Chase Investment decision Products and services and Merrill Lynch, in accordance to his BrokerCheck profile. Throughout this time, he served higher-internet-really worth families, executives and little corporations, but the go to LPL and Gladstone marks his initial foray into the independent space and out of the wirehouse and banking channels. 

“I genuinely delight in getting back in the advisor society,” he mentioned. “The move allows me to dedicate all of my time exclusively to my clients.”

The transfer arrives quite a few months right after HSBC Holdings introduced it was exiting the U.S. retail banking organization and unloaded about 90 branches to Citizens Financial institution, which incorporated 800,000 new buyers and about 600 personnel to onboard, such as a amount of financial advisors. 

LPL’s declared several additions to Gladstone Wealth Companions this 12 months. In May possibly, three Atlanta-based mostly advisors collectively running about $215 million in customer assets joined LPL and Gladstone from UBS Money Solutions. In June, Schaumberg, Sick.–based Puzzle Wealth Alternatives, a 10-person crew with additional than $1.2 billion in belongings, also joined LPL and Gladstone from UBS, whilst Joseph Myer, an Ashburn, Va.–based advisor with about $250 million in AUM, joined LPL aligned with Gladstone from Financial institution of America Merrill Lynch in July.

Gladstone Founder and Chairman Robert Hudson explained in a assertion that the business was proud to support Howell’s transfer into independence, and said it’d give “comprehensive support” backed by Gladstone’s and LPL’s blended assets.

“The development is developing momentum as a lot more advisors continue to go to independence, and we are in this article to deliver individualized help every single move of the way,” he explained.